Pay4 - Working Capital Redefined
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Working Capital Redefined

A simple revolving credit facilty: £50,000 to £1,000,000+

Pay4 is a business finance solution that provides working capital to settle your supplier invoices. The product is in essence a revolving credit facility to make payments to any of your suppliers, for both goods and services.

 

Pay4 is a business finance option for UK companies that don’t want their growth constrained by lack of working capital. Our credit limits, which range from £50,000 to £1million, can be used, repaid and reused as often as your cashflow cycle requires.

 

We only charge a straightforward transaction fee as and when you choose to use the facility. You select when you repay Pay4 up to 120 days later. The minimum transaction size is £5,000.

Benefits of using Pay4

Close your funding gap

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Close your funding gap

Close the gap between your access to available finance and your funding requirements

Ease working capital pressure

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Ease working capital pressure

No longer worry about the differential between your supplier terms and your customer terms

Manage cash flow cycles

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Manage cash flow cycles

Easily smooth out the peaks and troughs in your cash flow cycle

Take on larger contracts/customers

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Take on larger contracts/customers

By financing your supplier payments, you can take on larger customers or contracts and offer longer terms to existing customers too

Increase your stock levels

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Increase your stock levels

Easily make bigger orders of stock or even add a new product line

Become a cash buyer and negotiate supplier discounts

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Become a cash buyer

Paying suppliers upfront is no longer a problem when you finance your supplier payments. Supplier discounts may also be possible for paying upfront or early

Are you Eligible?

Limited Company or PLC incorporated in the UK

Trading for 3+ years

Profitable with a capital base of £200k

Turnover of £1.5m+ per annum

Any industry sector with UK and/or international suppliers

You make payments to your suppliers of £5k+

Customer Stories

Customer Testimonials

The Pay4 Guarantee

The Pay4 credit facility is simple. Pay4 Simplicity. Finance Solution

Pay4 Simplicity


Small and medium sized companies are the heartbeat of the UK economy and they need a simple and flexible supplier payment solution that’s easy to use and works alongside other finance. Simplicity is key to the Pay4 business finance solution, especially our straightforward transaction fees with no hidden costs, our easy to use platform and our dedicated relationship managers.

After you are set up as a Pay4 customer there is no paperwork and little admin. You choose when and how to use Pay4. We want to make your business finance choice simple.

Pay4 Growth


Companies with a Pay4 credit facility can tender for larger contracts than they used to because Pay4 reduces the pressure on their working capital. Having the confidence to win bigger contracts helps your company grow.

Pay4 allows you to manage the peaks and troughs in your cashflow cycles. So even if your business is highly seasonal, you can do what is right for growth: improve your stock levels, launch new product lines or employ the new salesperson, all without creating a working capital issue. You can also maximise your company’s margins by negotiating cash buyer discounts and by benefitting from purchasing in larger quantities. Higher margins means stronger growth.

Use the Pay4 finance facility for business growth. Pay4 Growth finance solutiion
The Pay4 finance solution is flexible, Pay4 Flexibility

Pay4 Flexibilty


Pay4 is a flexible, revolving credit facility that, once approved, you can use again and again as a part of a growth-oriented finance model. You choose when you repay Pay4, which can be up to 120 days later.

You can pay one invoice at a time or several together, the choice is yours (providing the total value is £5,000+) and you can pay any supplier both in the UK and abroad in most currencies. Use the Pay4 business finance credit facility and you may never be constrained by working capital again